H.R. 3206 · 119th Congress
Protecting America's Property Rights Act
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R
GarbarinoSponsor24 cosponsors · 11 D, 13 R
D
Gonzalez
JM
D
Moskowitz
SM
D
McBride
WD
R
Davidson
MA
R
Alford
JJ
D
Johnson
AB
R
Barr
TM
R
Mann
BS
D
Sherman
JM
D
Morelle
YK
R
Kim
JC
D
Costa
GR
R
Reschenthaler
DM
D
Min
WS
R
Steube
TS
D
Suozzi
DM
R
Meuser
DJ
R
Johnson
ML
R
Lawler
MD
R
De La Cruz
MS
R
Stutzman
HC
D
Cuellar
NM
R
Moran
JG
D
Gottheimer1 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.
This bill directs the government-sponsored enterprises—Fannie Mae and Freddie Mac—to establish standards for the use of products such as title insurance. (The enterprises facilitate liquidity in the mortgage market by purchasing mortgages and issuing mortgage-backed securities.)
What it does: CRS summary · Introduced in House · May 6, 2025
Protecting America's Property Rights Act
This bill directs the government-sponsored enterprises—Fannie Mae and Freddie Mac—to establish standards for the use of products such as title insurance. (The enterprises facilitate liquidity in the mortgage market by purchasing mortgages and issuing mortgage-backed securities.)
Specifically, the enterprises must establish regulations or guidelines for risk management related to loss or damage from liens upon, encumbrances on, or defects in the title to property, or the invalidity or unenforceability of any liens or encumbrances on property by using third party products subject to state regulation.
Further, the enterprises must hold an additional 1% of the unpaid principal of any mortgage that does not meet the above regulations or guidelines as part of each enterprise’s minimum capital levels.
Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov
About this bill and sources
Official title: Protecting America's Property Rights Act
Latest action (May 6, 2025): Referred to the House Committee on Financial Services.
Policy area: Finance and Financial Sector · Origin: House · Introduced: May 6, 2025
Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)
No recorded floor vote found.